How we work:

Mission statement and values

Concepts like sustainability, responsibility and values are so often heard these days that they are in danger of becoming empty buzzwords. It is therefore all the more important to give serious thought to our own standpoints, actions and values.

Banking for development: Our mission statement

ProCredit Bank is a development-oriented commercial bank. We offer excellent customer service to small and medium enterprises and to private individuals who have the capacity to save and who prefer to do their banking through electronic channels. In our operations, we adhere to a number of core principles: We value transparency in our communication with our customers, we do not promote consumer lending, we strive to minimise our ecological footprint, and we provide services which are based both on an understanding of each client’s situation and on sound financial analysis.

We focus on small and medium-sized enterprises, as we are convinced that these businesses create jobs and make a vital contribution to the economies in which they operate. By offering simple and accessible deposit facilities and online banking services and by investing in financial education, we aim to promote a culture of saving and financial responsibility among business clients as well as private individuals.

Our shareholders expect a sustainable return on investment over the long term, rather than being focused on short-term profit maximisation. We invest extensively in the training and development of our staff in order to create an open and efficient working atmosphere and to provide friendly and competent service for our clients.

Responsibility, transparency, fairness: Our values

The ProCredit corporate values apply to the entire group. Everything we do is based on these values:

Social responsibility: We advise our clients in a fair and informed manner, and therefore only offer solutions which are truly useful to them. We promote financial literacy and ensure that our clients completely understand the services that are offered to them.

Transparency and communication: We communicate openly, fairly and constructively with each other. We keep our clients, staff, investors and supervisory authorities informed in a thorough and transparent manner.

Tolerance and respect: We are committed to treating all of our business partners and employees with fairness and respect, regardless of their origin, skin colour, language, gender or religious or political beliefs.

Professionalism and service: Our employees take personal responsibility for the quality of their work. We offer every client excellent service, regardless of his or her assets or professional status.

Integrity: We expect all employees of ProCredit Bank to adhere to our Code of Conduct. Violations are not tolerated and will be vigorously prosecuted in every case.

Our exclusion criteria

ProCredit Bank rejects all business relationships with companies involved in the following activities:

Violation of human rights

Production or trade in weapons and munitions

Infringements upon local environmental standards

Trade in wild plants and animals

Endangerment of cultural or archaeological sites

Endangerment of indigenous peoples and/or endangered groups

Transboundary movement of waste prohibited under international law

Trade in forbidden pharmaceuticals, pesticides or chemicals

Products made with wood from forests that have not been certified as sustainably managed

Gambling, casinos and equivalent enterprises

Pornography

Work with radioactive or asbestos-containing materials

A comprehensive description of our exclusion criteria is available here as a PDF download.